smurfette in nyc

Does bad credit make you a bad person?

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"Conspiring" is too strong a word. I wouldn't say they're colluding either.

However, it's pretty obvious the system is setup in such a way as to make scores drop easily, but difficult to raise. The fact that they make it expensive for creditors to report good information only strengthens the argument.

Remember, their real customers are creditors. What kind of scores benefit creditors the most? Who do they get to stick with the highest interest rates?

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